What personal and other data do we collect?
Account-related data such as:
Date and place of birth
Marital status and spouse’s information (if applicable)
Contact details (phone numbers, email address)
Signature and picture
Financial information such as income, credit history
Transactions and transaction history
Employment or occupational information such as:
Occupation / industry or sector affiliated with / employment history
Government-issued ID and other ID details
Biometrics such as finger print
Signature and picture
We may also collect user content from you when you provide it to us. For example, the Services you availed allow you to provide us with comments, posts, and user writing samples that you submit, and you may choose to provide Personal Data and Other Information (such as your name) in such content. By sharing this user content in a public forum, you are choosing to disclose any Personal Data and Other Information included in such content, and we do not have control over your decision. We process user content, including any Personal Data and Other Information included in any such user content, on the basis of our legitimate business interest in providing you with the Services.
How do we collect these data?
Most of the data that we collect are not obtained directly from you. As a provider of technology, financial, training and consultancy services to coops, your data is collected and processed by NATCCO when you:
Open and transact your accounts with your coop that is using the shared core banking system and payment platform
Receive dividends and patronage refund from your coop
Register and participate in our training activities, general assemblies, meetings and other events
Fill out and submit forms (online or physical) or respond to inquiries on behalf of your coop
Voluntarily complete a survey
Share your social media posts with our social media accounts
How will we use your data?
NATCCO collects and processes the data you have directly or indirectly provided to us through your coop to:
Enable your coop to maintain your accounts and process your transactions using the core banking and digital payment services provided by NATCCO
Assist your coop to comply with regulatory and legal requirements such as the Credit Information Systems Act that are needed to support you and protect your interests
Respond to any requests, feedback, or complaints
Analyze and gain insights from the way you use our products/services or how your coop uses our services to serve you
Send you statements, notifications and other communication about your transactions or the products/services you have availed as well as any significant updates that you need to know
Offer, sell or market new products/services to you
Enhance your customer experience as a coop member of the network
Exercise appropriate action in the performance of contracts or where necessary, establish or defend our legal claims or protect our legal rights
NATCCO uses third-party services to host and process your data especially those pertaining to accounts with your coop. We may share your data with them. We will ensure that your data is secure and protected during this sharing process. This will help improve the delivery of our services and refine the overall customer experience.
We will not disclose your personal information to any unaffiliated third parties without your consent.
Be assured that we are committed to keeping your data safe and protecting it from misuse, loss, and unauthorized modification, access, and/or disclosure by enforcing security measures and protocols.
Your access and rectification rights
Right to access – you have the right to access and request for copies of the data we have about you for a reasonable fee
Right to rectification – you have the right to request for correction on any information about you which you deem to be incorrect, inaccurate or incomplete.
Requests for these should be made in writing and made through appropriate process and channels.
We may have to update this statement occasionally to comply with any changes in any laws or regulations relevant to how we are allowed to store, use, share, or dispose of the personal information given to us, or any significant technological advancements that can improve our internal system. Any important changes will be posted on the NATCCO website at https://www.natcco.coop/.